EX-99.4 5 n4256_x1exh99-4.htm CLAYTON ATR QM UPLOAD

Exhibit 99.4

Client Name:
Client Project Name:	PRKCM 2024-HOME1
Start - End Dates:	11/28/2023 - 4/4/2024
Deal Loan Count:	335


ATR QM Upload

Loans in Report:	334

Loan Number

Deal

Seller Loan Number

Original Principal Balance

State

Loan Level ATR/QM Status

Lender Provided ATR/QM Worksheet

Initial Lender ATR/QM Status

Application Date

Borrowers Qualified Through a Non-Resident Alien Program

Occupancy

Property Type

Number of Units

Loan Type

Exempt Loan Product Type

Exempt Loan Housing Agency

Community Housing Development

Credit Under Economic Stabilization Act Of 2008

Refinance Of Non-Standard Mortgage

Higher Priced Covered Transaction

State Prepay Exceptions

Loan Purpose

Loan Term Exceeds 30 Years

Interest Only Feature

Negative Amortization

Balloon Payment

Prepay Penalty Flag

Prepayment Penalty Type

Prohibited Prepayment Penalty

Exceeds Points And Fees

Exceeds DTI Limit

Lien Position

APR

QM Calculated DTI Adherence

QM Lenders DTI Adherence

QM Fee Adherence - Total Charges %

QM Fee Adherence - Lenders Fee %

Fannie Mae Eligible

Freddie Mac Eligible

VA Guaranty Eligible

FHA Insured Eligible

USDA Guarantee Eligible

Rural Housing Service Insured Eligible

QM - Expected Income Or Assets For DTI

QM - Current Employment Status For DTI

QM - Monthly Payment On Subject Loan For DTI

QM - Monthly Payment On Additional Loan For DTI

QM - Monthly Payment Mortgage Related Obligations

QM - Current Debt Obligations Alimony and Child Support for DTI

QM - Monthly DTI Ratio Or Residual Income

ATR - Guidelines Provided to Document Approach

ATR - Current And Expected Income And Assets

ATR - Current Employment Status

ATR - Mortgage Payment Obligation

ATR - Mortgage Payment on Simultaneous Transaction

ATR - Payment For Mortgage Related Obligations

ATR - Debt Obligations Including Alimony and Child Support

ATR - Monthly DTI Ratio or Residual Income

ATR - Consumer Credit History

ATR Lenders - DTI (Back)

ATR Calculated DTI (Back)

QM Lender Value DTI (Back)

QM Calculated DTI (Back)

Initial DTI (Back)

DTI Qualifying (Back)

Residual Income Analysis in File

Residual Income Guidelines

Did Loan Meet Guidelines

Residual Income Amount

Short Sale

Short Sale Date

Deed In Lieu

Deed In Lieu Date

QRM Flag

Borrower 2 Guarantor Flag

Borrower 3 Guarantor Flag

Borrower 4 Guarantor Flag

Borrower 1 Paystub Flag

Borrower 1 Paystub Number of Months

Borrower 2 Paystub Flag

Borrower 2 Paystub Number of Months

Borrower 3 Paystub Flag

Borrower 3 Paystub Number of Months

Borrower 4 Paystub Flag

Borrower 4 Paystub Number of Months

Borrower 1 W2 Flag

Borrower 1 W2 Number of Months

Borrower 2 W2 Flag

Borrower 2 W2 Number of Months

Borrower 3 W2 Flag

Borrower 3 W2 Number of Months

Borrower 4 W2 Flag

Borrower 4 W2 Number of Months

Borrower 1 Personal Tax Return Flag

Borrower 1 Personal Tax Return Number of Months

Borrower 2 Personal Tax Return Flag

Borrower 2 Personal Tax Return Number of Months

Borrower 3 Personal Tax Return Flag

Borrower 3 Personal Tax Return Number of Months

Borrower 4 Personal Tax Return Flag

Borrower 4 Personal Tax Return Number of Months

Borrower 1 Business Tax Return Flag

Borrower 1 Business Tax Return Number of Months

Borrower 2 Business Tax Return Flag

Borrower 2 Business Tax Return Number of Months

Borrower 3 Business Tax Return Flag

Borrower 3 Business Tax Return Number of Months

Borrower 4 Business Tax Return Flag

Borrower 4 Business Tax Return Number of Months

Borrower 1 Verbal VOE Flag

Borrower 1 Verbal VOE Number of Months

Borrower 2 Verbal VOE Flag

Borrower 2 Verbal VOE Number of Months

Borrower 3 Verbal VOE Flag

Borrower 3 Verbal VOE Number of Months

Borrower 4 Verbal VOE Flag

Borrower 4 Verbal VOE Number of Months

Borrower 1 Written VOE Flag

Borrower 1 Written VOE Number of Months

Borrower 2 Written VOE Flag

Borrower 2 Written VOE Number of Months

Borrower 3 Written VOE Flag

Borrower 3 Written VOE Number of Months

Borrower 4 Written VOE Flag

Borrower 4 Written VOE Number of Months

Borrower 1 P&L Flag

Borrower 1 P&L Number of Months

Borrower 2 P&L Flag

Borrower 2 P&L Number of Months

Borrower 3 P&L Flag

Borrower 3 P&L Number of Months

Borrower 4 P&L Flag

Borrower 4 P&L Number of Months

Borrower 1 Lease Agreement Flag

Borrower 1 Lease Agreement Number of Months

Borrower 2 Lease Agreement Flag

Borrower 2 Lease Agreement Number of Months

Borrower 3 Lease Agreement Flag

Borrower 3 Lease Agreement Number of Months

Borrower 4 Lease Agreement Flag

Borrower 4 Lease Agreement Number of Months

Is the Loan a Short-Term Rental?

Equity Income Flag

Equity Income Amount

Equity Income Number of Months

DSCR with Rent Schedule Flag

DSCR with Rent Schedule Income Amount

DSCR with Lease Agreement Flag

DSCR with Lease Agreement Income Amount

DSCR %

Borrower 1 CPA Letter with Income Flag

Borrower 1 CPA Letter with Income Number of Months

Borrower 1 CPA Letter without Income Flag

Borrower 1 CPA Letter without Income Number of Months

Borrower 2 CPA Letter with Income Flag

Borrower 2 CPA Letter with Income Number of Months

Borrower 2 CPA Letter without Income Flag

Borrower 2 CPA Letter without Income Number of Months

Borrower 3 CPA Letter with Income Flag

Borrower 3 CPA Letter with Income Number of Months

Borrower 3 CPA Letter without Income Flag

Borrower 3 CPA Letter without Income Number of Months

Borrower 4 CPA Letter with Income Flag

Borrower 4 CPA Letter with Income Number of Months

Borrower 4 CPA Letter without Income Flag

Borrower 4 CPA Letter without Income Number of Months

Borrower 1 Personal Bank Statements Flag

Borrower 1 Personal Bank Statements Number of Months

Borrower 2 Personal Bank Statements Flag

Borrower 2 Personal Bank Statements Number of Months

Borrower 3 Personal Bank Statements Flag

Borrower 3 Personal Bank Statements Number of Months

Borrower 4 Personal Bank Statements Flag

Borrower 4 Personal Bank Statements Number of Months

Borrower 1 Business Bank Statements Flag

Borrower 1 Business Bank Statements Number of Months

Borrower 2 Business Bank Statements Flag

Borrower 2 Business Bank Statements Number of Months

Borrower 3 Business Bank Statements Flag

Borrower 3 Business Bank Statements Number of Months

Borrower 4 Business Bank Statements Flag

Borrower 4 Business Bank Statements Number of Months

Borrower 1 Award Letter Flag

Borrower 1 Award Letter Number of Months

Borrower 2 Award Letter Flag

Borrower 2 Award Letter Number of Months

Borrower 3 Award Letter Flag

Borrower 3 Award Letter Number of Months

Borrower 4 Award Letter Flag

Borrower 4 Award Letter Number of Months

Borrower 1 Offer Letter Flag

Borrower 1 Offer Letter Number of Months

Borrower 2 Offer Letter Flag

Borrower 2 Offer Letter Number of Months

Borrower 3 Offer Letter Flag

Borrower 3 Offer Letter Number of Months

Borrower 4 Offer Letter Flag

Borrower 4 Offer Letter Number of Months

Borrower 1 IRS Transcripts - Tax Returns Flag

Borrower 1 IRS Transcripts - Tax Returns Number of Months

Borrower 1 IRS Transcripts - W2s Flag

Borrower 1 IRS Transcripts - W2s Number of Months

Borrower 2 IRS Transcripts - Tax Returns Flag

Borrower 2 IRS Transcripts - Tax Returns Number of Months

Borrower 2 IRS Transcripts - W2s Flag

Borrower 2 IRS Transcripts - W2s Number of Months

Borrower 3 IRS Transcripts - Tax Returns Flag

Borrower 3 IRS Transcripts - Tax Returns Number of Months

Borrower 3 IRS Transcripts - W2s Flag

Borrower 3 IRS Transcripts - W2s Number of Months

Borrower 4 IRS Transcripts - Tax Returns Flag

Borrower 4 IRS Transcripts - Tax Returns Number of Months

Borrower 4 IRS Transcripts - W2s Flag

Borrower 4 IRS Transcripts - W2s Number of Months

Borrower 1 Income Doc Type Summary

Borrower 2 Income Doc Type Summary

Borrower 3 Income Doc Type Summary

Borrower 4 Income Doc Type Summary

1000800870

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.2449

Yes

0.315

Not Applicable

(No Data)

Not Applicable

(No Data)

11.38

11.66

1.38

11.66

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

1090300684

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.7170

Yes

1.915

Not Applicable

(No Data)

Not Applicable

(No Data)

19.73

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 55 months;
P & L - 12 months;

(No Data)

1090300695

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.1250

(No Data)

XXXXXX

(No Data)

Yes

5280.00

(No Data)

1.0114

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

1090300703

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.4695

Yes

1.06

Not Applicable

(No Data)

Not Applicable

(No Data)

39.15

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

1090300722

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.0001

Yes

(No Data)

10.83

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

1090300740

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

8.2113

3.151

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.6

43.5

43.6

43.5

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

1100501038

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.9145

2.716

Not Applicable

(No Data)

Not Applicable

(No Data)

47.21

47.29

47.21

43.53

47.29

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 32 months;

(No Data)

1100501061

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR-Attached

Conventional

(No Data)

Purchase

(No Data)

8.6388

Yes

0.613

Not Applicable

(No Data)

Not Applicable

(No Data)

35.5

35.61

35.5

31.67

35.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

1100501068

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.4700

Yes

0.565

Not Applicable

(No Data)

Not Applicable

(No Data)

46.13

46.3

46.13

40.14

46.3

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

1100501083

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6488

Yes

1.311

'-2.000

(No Data)

Not Applicable

(No Data)

42.67

42.11

42.67

42.11

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000085624

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.7500

(No Data)

XXXXXX

(No Data)

Yes

6000.00

(No Data)

1.1760

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000086313

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5000

Yes

(No Data)

23.44

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000087533

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.7139

Yes

1.951

Not Applicable

(No Data)

Not Applicable

(No Data)

24.29

24.18

24.29

24.18

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 24 months;

(No Data)

2000088432

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.9006

Yes

2.885

Not Applicable

(No Data)

Not Applicable

(No Data)

41.08

41.21

41.08

37.53

41.21

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000088541

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.1146

Yes

3.248

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

14.88

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000088779

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

Yes

8.8593

Yes

3.047

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.91

44.23

43.91

41.84

44.23

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 24 months;

(No Data)

2000088993

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

8.5912

Yes

1.742

Not Applicable

(No Data)

Not Applicable

(No Data)

36.74

36.75

36.74

36.75

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 22 months;

(No Data)

2000089446

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.9820

Yes

1.997

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

36.59

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000089448

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.7500

(No Data)

36.53

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter with Income - 24 months;
P & L - 24 months;

(No Data)

2000089697

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.8193

2.126

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.17

48.65

48.17

48.65

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 35 months;

(No Data)

2000090100

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.0819

1.206

Not Applicable

(No Data)

Not Applicable

(No Data)

45.77

48.01

45.77

48.01

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

2000090124

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.7670

Yes

2.445

Not Applicable

(No Data)

Not Applicable

(No Data)

31.06

(No Data)

XXXXXX

(No Data)

Yes

120

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 120 months;

(No Data)

2000090346

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

8.0203

Yes

2.385

Not Applicable

(No Data)

Not Applicable

(No Data)

39.35

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000090366

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.6250

(No Data)

XXXXXX

(No Data)

Yes

6800.00

(No Data)

1.0199

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000090436

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.8167

Yes

3.709

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

7.06

12.51

7.06

12.51

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

2000090444

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

8.5335

Yes

2.502

Not Applicable

(No Data)

Not Applicable

(No Data)

36.09

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

2000090483

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

9.4523

Yes

1.31

'-1.000

(No Data)

Yes

Documented

Not Applicable

Documented

36.86

36.87

36.86

36.87

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000090529

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Attached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.4431

Yes

0.774

Not Applicable

(No Data)

Not Applicable

(No Data)

23.51

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000090653

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

9.1250

(No Data)

XXXXXX

(No Data)

Yes

2375.00

(No Data)

0.8543

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000090793

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

9.5000

Yes

(No Data)

11.19

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 23 months;

(No Data)

2000090811

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.0001

(No Data)

XXXXXX

(No Data)

Yes

2100.00

1.5494

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

2000090831

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

Yes

(No Data)

8.7553

Yes

0.958

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

31.32

34.69

31.32

33.22

33.99

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 84 months;
P & L - 23 months;

(No Data)

2000090855

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

9.6250

Yes

(No Data)

37.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000090881

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

Yes

(No Data)

Yes

8.5192

Yes

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

46.73

46.76

46.73

37.72

46.68

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

156

(No Data)

CPA Letter without Income - 156 months;
P & L - 24 months;

(No Data)

2000090882

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

(No Data)

8.4544

Yes

0.896

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

5.89

5.9

5.89

4.66

5.64

(No Data)

XXXXXX

(No Data)

Yes

348

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 348 months;

(No Data)

2000090921

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

8.6300

Yes

2.355

Not Applicable

(No Data)

Not Applicable

(No Data)

40.84

40.95

40.84

36.53

40.95

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

2000090955

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

9.7526

Yes

4.389

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

27.79

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000090956

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.9582

Yes

3.687

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
Personal Bank Statements - 12 months;

(No Data)

2000090975

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

7.6139

Yes

1.806

Not Applicable

(No Data)

Not Applicable

(No Data)

32.04

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000090989

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Second Home

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.2415

Yes

1.262

Not Applicable

(No Data)

Not Applicable

(No Data)

30.12

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000090991

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.3750

Yes

(No Data)

35.61

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

2000091019

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.8750

Yes

(No Data)

26.27

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091032

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.2217

Yes

1.765

Not Applicable

(No Data)

Not Applicable

(No Data)

43.17

43.35

43.17

41.45

43.35

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 33 months;

(No Data)

2000091077

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.2852

Yes

4.986

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

38.68

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000091134

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0845

Yes

3.051

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

36.38

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000091161

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.8339

Yes

2.456

Not Applicable

(No Data)

Not Applicable

(No Data)

39.14

40.17

39.14

40.17

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091174

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.7712

Yes

2.23

Not Applicable

(No Data)

Not Applicable

(No Data)

22.12

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091189

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.4172

Yes

4.985

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.7

42.75

42.7

41.8

42.75

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091213

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.5310

Yes

1.133

Not Applicable

(No Data)

Not Applicable

(No Data)

39.31

39.47

39.31

34.48

39.47

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 96 months;
P & L - 12 months;

(No Data)

2000091228

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.6796

1.623

Not Applicable

(No Data)

Not Applicable

(No Data)

44.19

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;
Paystub - 2 months;
W2 - 36 months;

(No Data)

2000091230

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Rate and Term Refi

(No Data)

8.1416

Yes

2.35

Not Applicable

(No Data)

Not Applicable

(No Data)

40.75

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 12 months;

(No Data)

2000091271

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

8.8907

Yes

2.849

Not Applicable

(No Data)

Not Applicable

(No Data)

39.51

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091324

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

9.1250

Yes

(No Data)

13.84

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091332

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

Yes

8.7837

2.485

Not Applicable

(No Data)

Not Applicable

(No Data)

48.6

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091355

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.5158

Yes

2.224

Not Applicable

(No Data)

Not Applicable

(No Data)

27.23

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000091360

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.3750

Yes

(No Data)

29.58

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091373

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.3832

Yes

3.539

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

33.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091375

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Attached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.2500

Yes

(No Data)

30.94

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000091392

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.1020

Yes

2.13

Not Applicable

(No Data)

Not Applicable

(No Data)

29.62

29.63

29.62

29.63

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000091394

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8866

Yes

3.355

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

32.9

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

2000091397

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.3450

Yes

3.093

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

38.04

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091401

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

8.1361

Yes

2.355

Not Applicable

(No Data)

Not Applicable

(No Data)

38.73

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 29 months;

(No Data)

2000091404

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR-Attached

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.2639

Yes

4.45

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

25.65

5.65

25.65

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091407

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.4434

Yes

3.164

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

41.16

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

2000091414

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

9.0920

Yes

(No Data)

37.24

37.44

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

2000091415

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.5000

Yes

(No Data)

40.4

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 34 months;

(No Data)

2000091434

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.1564

2.505

Not Applicable

(No Data)

Not Applicable

(No Data)

49.35

49.6

49.35

49.6

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091441

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.8379

2.832

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

46.3

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000091454

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

9.0000

Yes

(No Data)

24.25

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

2000091455

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.0881

3.299

Not Applicable

(No Data)

Not Applicable

(No Data)

48.58

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091465

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

9.1429

Yes

2.002

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

38.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000091473

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.7886

Yes

2.398

Not Applicable

(No Data)

Not Applicable

(No Data)

25.73

27.87

25.73

27.87

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091475

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.4551

2.512

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.01

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091476

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.1719

Yes

3.236

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

17.07

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091478

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0978

Yes

4.005

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

34.1

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091485

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.0699

Yes

2.573

Not Applicable

(No Data)

Not Applicable

(No Data)

45.09

42.51

45.09

40.07

42.51

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 31 months;

(No Data)

2000091499

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.6250

Yes

(No Data)

22.35

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

108

(No Data)

CPA Letter without Income - 108 months;
P & L - 12 months;

(No Data)

2000091501

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.3466

3.582

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.15

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091504

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

7.6250

Yes

(No Data)

33.22

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091505

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.9347

Yes

4.097

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

25.79

25.28

25.79

25.28

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter with Income - 24 months;
P & L - 12 months;

(No Data)

2000091506

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.1250

Yes

3.2

(No Data)

28.55

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091508

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.4049

Yes

1.209

Not Applicable

(No Data)

Not Applicable

(No Data)

30.2

30.8

30.2

30.8

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091515

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.4180

1.476

Not Applicable

(No Data)

Not Applicable

(No Data)

48.49

48.99

48.49

48.99

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 12 months;

(No Data)

2000091519

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4993

0.243

Not Applicable

(No Data)

Not Applicable

(No Data)

45.16

46.31

45.16

46.31

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091534

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

6.8750

Yes

(No Data)

19.59

19.58

19.59

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091537

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.6113

Yes

4.626

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.16

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

2000091552

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.0719

Yes

2.811

Not Applicable

(No Data)

Not Applicable

(No Data)

32.01

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091558

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.5114

Yes

2.404

0.233

(No Data)

Not Applicable

(No Data)

26.3

26.26

26.3

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000091561

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.5613

(No Data)

43.65

44.78

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091568

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0366

Yes

3.063

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

33.16

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 72 months;
P & L - 12 months;

Written VOE - 36 months;

(No Data)

2000091584

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7313

0.169

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.32

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091586

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.4770

Yes

(No Data)

29.1

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

(No Data)

Written VOE - 28 months;

(No Data)

2000091603

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.3893

Yes

4.796

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

35.65

35.67

35.65

35.67

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 24 months;
CPA Letter without Income - 24 months;

(No Data)

2000091605

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.1811

2.633

Not Applicable

(No Data)

Not Applicable

(No Data)

43.38

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091626

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0867

Yes

3.264

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

39.49

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091629

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.6107

Yes

2.543

Not Applicable

(No Data)

Not Applicable

(No Data)

28.18

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091632

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

10.1066

Yes

4.985

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

36.14

36.15

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091635

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.8483

Yes

2.865

Not Applicable

(No Data)

Not Applicable

(No Data)

40.33

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 31 months;

Written VOE - 28 months;

(No Data)

2000091643

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.6788

Yes

(No Data)

39.67

41.5

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091645

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.6868

Yes

1.779

Not Applicable

(No Data)

Not Applicable

(No Data)

32.82

32.89

32.82

29.28

32.89

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091653

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7329

2.822

Not Applicable

(No Data)

Not Applicable

(No Data)

43.26

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000091669

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

8.6366

Yes

2.379

Not Applicable

(No Data)

Not Applicable

(No Data)

40.88

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000091682

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.9340

Yes

3.712

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

26.71

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 30 months;

(No Data)

2000091685

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.4240

Yes

0.358

Not Applicable

(No Data)

Not Applicable

(No Data)

21.3

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000091703

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

8.5000

Yes

(No Data)

27.44

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091707

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

8.6659

Yes

2.579

Not Applicable

(No Data)

Not Applicable

(No Data)

40.11

40.13

40.11

40.13

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091713

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.0069

Yes

1.812

Not Applicable

(No Data)

Not Applicable

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091715

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.2052

1.471

Not Applicable

(No Data)

Not Applicable

(No Data)

48.34

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000091720

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.5558

Yes

1.475

Not Applicable

(No Data)

Not Applicable

(No Data)

34.41

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091722

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.6204

Yes

2.192

Not Applicable

(No Data)

Not Applicable

(No Data)

9.18

8.07

9.18

8.07

(No Data)

XXXXXX

(No Data)

Yes

132

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 132 months;

(No Data)

2000091728

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption (APOR)

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

8.0599

Yes

2.804

Not Applicable

(No Data)

Not Applicable

(No Data)

42.46

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 30 months;

(No Data)

2000091730

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.6250

Yes

(No Data)

25.7

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091731

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

10.4070

1.772

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.95

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;
Personal Bank Statements - 12 months;

(No Data)

2000091736

XXXXXX

QM: Safe Harbor

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.0900

Yes

1.983

Not Applicable

(No Data)

Not Applicable

(No Data)

36.5

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 72 months;

(No Data)

2000091739

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

Yes

8.4925

3.944

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

45.08

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 36 months;

(No Data)

2000091750

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.5617

Yes

2.554

Not Applicable

(No Data)

Not Applicable

(No Data)

19.75

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091754

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.9028

1.25

Not Applicable

(No Data)

Not Applicable

(No Data)

44.25

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000091780

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Attached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

7.7710

Yes

3.592

Not Applicable

(No Data)

Not Applicable

(No Data)

31.07

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091793

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

9.5000

Yes

(No Data)

32.96

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091799

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Attached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.4244

Yes

4.971

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

17.86

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091824

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.2500

Yes

(No Data)

41.06

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 12 months;

(No Data)

2000091833

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.0168

Yes

0.943

0.000

(No Data)

Not Applicable

(No Data)

43.87

43.93

43.87

42.53

43.93

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091847

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.7500

3.961

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.5

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091862

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.7501

(No Data)

XXXXXX

(No Data)

Yes

2750.00

(No Data)

1.2721

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000091867

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

7.9364

Yes

2.333

Not Applicable

(No Data)

Not Applicable

(No Data)

40.14

40.18

40.14

40.18

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000091869

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.8557

3.268

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.96

48.48

48.96

48.48

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000091878

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.0895

4.012

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.76

48.74

48.76

48.74

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091892

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

9.3471

Yes

3.853

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

25.67

25.71

25.67

25.71

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;

(No Data)

2000091899

XXXXXX

QM: Rebuttable Presumption

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7102

Yes

2.588

Not Applicable

(No Data)

Not Applicable

(No Data)

48.69

48.87

48.69

41.46

48.87

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000091902

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.1250

Yes

(No Data)

3.41

3.4

3.41

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091906

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Attached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.2481

Yes

1.95

Not Applicable

(No Data)

Not Applicable

(No Data)

27.73

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091915

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.1250

Yes

(No Data)

2.98

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091949

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.5000

Yes

(No Data)

4.85

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091952

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.0001

Yes

(No Data)

5.77

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000091953

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

(No Data)

Yes

8.5000

Yes

(No Data)

5.76

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Personal Bank Statements - 12 months;

(No Data)

2000091956

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.1043

Yes

3.268

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

23.93

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091971

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7463

2.95

Not Applicable

(No Data)

Not Applicable

(No Data)

46.52

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000091975

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.0979

1.809

Not Applicable

(No Data)

Not Applicable

(No Data)

45.36

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Written VOE - 24 months;

CPA Letter without Income - 84 months;
P & L - 12 months;

(No Data)

2000091981

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.8838

Yes

3.196

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

40.07

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

204

(No Data)

CPA Letter without Income - 204 months;
P & L - 12 months;

(No Data)

2000091982

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.6719

Yes

0.42

Not Applicable

(No Data)

Not Applicable

(No Data)

42.76

42.77

42.76

42.77

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000091984

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.9477

1.561

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

45.45

44.95

45.45

44.95

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000091987

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Rate and Term Refi

(No Data)

9.0945

Yes

2.816

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

31.54

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;

(No Data)

2000092001

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.4472

3.758

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

44.29

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000092043

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.6119

3.784

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

46.56

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092053

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

7.6690

Yes

1.556

0.243

(No Data)

Not Applicable

(No Data)

42.26

44.24

42.26

44.24

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000092066

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.5000

Yes

(No Data)

14.33

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092074

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

3 Family

Conventional

(No Data)

Purchase

(No Data)

Yes

7.7052

3.321

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.9

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

120

(No Data)

CPA Letter without Income - 120 months;
P & L - 12 months;

(No Data)

2000092081

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.2658

Yes

3.051

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

41.4

41.34

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 84 months;

(No Data)

2000092083

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5000

Yes

(No Data)

36.78

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 12 months;

(No Data)

2000092096

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

2 Family

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.6053

Yes

3.18

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

19.74

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092102

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

2 Family

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.0845

3.117

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.83

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000092104

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

8.1782

Yes

2.777

Not Applicable

(No Data)

Not Applicable

(No Data)

36.35

39.27

36.35

39.27

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092106

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.1166

2.484

Not Applicable

(No Data)

Not Applicable

(No Data)

47.32

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092107

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.0001

Yes

(No Data)

37.21

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092109

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

Yes

(No Data)

Yes

8.8474

Yes

1.695

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.95

49.08

48.95

40.43

46.98

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092116

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Attached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6621

Yes

2.217

Not Applicable

(No Data)

Not Applicable

(No Data)

29.32

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000092117

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.9117

Yes

3.197

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

35.66

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092121

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5367

1.304

Not Applicable

(No Data)

Not Applicable

(No Data)

44.05

44.04

44.05

44.04

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 31 months;

(No Data)

2000092123

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.7774

3.544

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

47.72

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000092127

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

9.2627

Yes

0.112

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

34.31

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

100

(No Data)

CPA Letter without Income - 100 months;
P & L - 12 months;

(No Data)

2000092137

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8171

3.436

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.8

44.58

43.8

44.58

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000092143

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

7.7501

(No Data)

XXXXXX

(No Data)

Yes

1825.00

(No Data)

1.0631

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000092169

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.6250

Yes

(No Data)

32.32

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000092174

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.8776

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

37.88

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092177

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.2901

Yes

2.611

0.000

(No Data)

Not Applicable

(No Data)

32.85

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000092185

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5759

3.035

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

44.84

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 29 months;

(No Data)

2000092189

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.8656

Yes

0.127

Not Applicable

(No Data)

Not Applicable

(No Data)

40.11

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Award Letter - 12 months;
CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092190

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.3501

1.754

Not Applicable

(No Data)

Not Applicable

(No Data)

48.37

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092196

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.5340

Yes

3.6

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

22.43

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092197

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5062

0.903

Not Applicable

(No Data)

Not Applicable

(No Data)

43.76

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092217

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR-Attached

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.0578

Yes

4.955

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

35.25

35.24

35.25

35.24

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092222

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.9714

Yes

0.867

Not Applicable

(No Data)

Not Applicable

(No Data)

36.36

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092244

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

8.2290

Yes

2.057

Not Applicable

(No Data)

Not Applicable

(No Data)

32.29

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092245

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.0194

Yes

3.46

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

28.74

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092291

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

6.8750

Yes

(No Data)

17.28

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000092303

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7300

Yes

4.872

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

23.45

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000092306

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.7997

1.633

Not Applicable

(No Data)

Not Applicable

(No Data)

48.71

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 27 months;

(No Data)

2000092308

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

8.6977

Yes

3.366

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

41.71

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092315

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.6250

(No Data)

XXXXXX

(No Data)

Yes

2900.00

(No Data)

1.0043

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000092317

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.1016

Yes

2.622

Not Applicable

(No Data)

Not Applicable

(No Data)

41.59

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092321

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.7623

Yes

3.675

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

33.23

31.17

33.28

31.17

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092323

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.6193

3.473

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.27

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

1099 - 24 months;
CPA Letter without Income - 24 months;

(No Data)

2000092325

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.6250

Yes

(No Data)

5.86

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092330

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.5537

2.76

Not Applicable

(No Data)

Not Applicable

(No Data)

47.53

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092339

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7980

Yes

3.17

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

40.24

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092357

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.3962

4.769

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

48.78

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092359

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9719

Yes

0.529

Not Applicable

(No Data)

Not Applicable

(No Data)

37.25

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092376

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

8.1843

Yes

2.491

0.000

(No Data)

Not Applicable

(No Data)

42.66

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

2000092381

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.5483

Yes

2.608

Not Applicable

(No Data)

Not Applicable

(No Data)

33.5

33.63

33.5

29.33

33.63

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092383

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

7.7750

Yes

2.82

Not Applicable

(No Data)

Not Applicable

(No Data)

37.03

36.96

37.03

36.96

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092387

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.5682

2.451

Not Applicable

(No Data)

Not Applicable

(No Data)

48.51

48.52

48.51

48.52

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 27 months;

(No Data)

2000092397

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9537

Yes

2.877

Not Applicable

(No Data)

Not Applicable

(No Data)

40.96

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000092398

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9304

Yes

2.839

Not Applicable

(No Data)

Not Applicable

(No Data)

28.55

28.53

28.55

28.53

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092402

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.8527

Yes

2.069

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

32.62

32.61

32.62

32.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092403

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.9674

1.947

Not Applicable

(No Data)

Not Applicable

(No Data)

48.76

48.77

48.76

48.77

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092417

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0431

2.663

Not Applicable

(No Data)

Not Applicable

(No Data)

45.14

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092432

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.4269

Yes

1.696

Not Applicable

(No Data)

Not Applicable

(No Data)

37.63

37.64

37.63

37.64

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

180

(No Data)

CPA Letter without Income - 180 months;
P & L - 12 months;

(No Data)

2000092435

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.8204

3.486

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

49.76

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Personal Bank Statements - 3 months;

(No Data)

2000092447

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

8.4032

Yes

Not Applicable

(No Data)

Not Applicable

(No Data)

17.45

17.51

17.45

15.54

17.51

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 42 months;

(No Data)

2000092459

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5923

Yes

3.706

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

21.16

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 48 months;
P & L - 12 months;

(No Data)

2000092462

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

High Rise Condo (9+)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.5000

Yes

(No Data)

29.36

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092464

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.8625

Yes

4.397

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

18.7

18.53

18.7

18.53

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092473

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5529

Yes

3.597

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

39.99

39.98

39.99

39.98

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092483

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.8294

Yes

2.894

Not Applicable

(No Data)

Not Applicable

(No Data)

33.03

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 72 months;
P & L - 12 months;

(No Data)

2000092490

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Mid Rise Condo (5-8)

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.3750

Yes

(No Data)

42.53

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;
W2 - 24 months;

(No Data)

2000092494

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.7182

3.356

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

44.22

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 46 months;
P & L - 12 months;

(No Data)

2000092495

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.1251

Yes

(No Data)

37.04

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 12 months;

(No Data)

2000092531

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0732

1.903

Not Applicable

(No Data)

Not Applicable

(No Data)

45.72

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092548

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.2646

4.584

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

46.29

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092554

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.3750

Yes

(No Data)

38.3

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000092556

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

7.6250

(No Data)

45.49

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092563

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.1084

Yes

4.226

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

20.97

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092566

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

(No Data)

8.0317

Yes

2.441

Not Applicable

(No Data)

Not Applicable

(No Data)

15.67

15.71

15.67

15.71

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092577

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8793

0.972

Not Applicable

(No Data)

Not Applicable

(No Data)

48.67

48.39

48.67

48.39

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092583

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6397

Yes

2.176

Not Applicable

(No Data)

Not Applicable

(No Data)

19.05

31.45

19.05

31.45

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092585

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

8.0275

Yes

2.208

Not Applicable

(No Data)

Not Applicable

(No Data)

15.69

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter with Income - 24 months;
P & L - 14 months;

(No Data)

2000092589

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.8751

Yes

(No Data)

3.8

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092604

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

8.6263

Yes

4.395

Not Applicable

(No Data)

Not Applicable

(No Data)

41.44

41.5

41.44

39.22

41.5

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092607

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.7028

Yes

2.78

0.000

(No Data)

Not Applicable

(No Data)

34.83

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092616

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6678

Yes

2.54

Not Applicable

(No Data)

Not Applicable

(No Data)

40.01

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092620

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.2500

(No Data)

47.77

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092623

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.6224

Yes

1.121

Not Applicable

(No Data)

Not Applicable

(No Data)

18.51

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

2000092637

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0001

Yes

(No Data)

39.65

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000092644

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.9535

Yes

3.117

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

19.94

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092653

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor (APOR)

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.4876

Yes

2.159

Not Applicable

(No Data)

Not Applicable

(No Data)

39.47

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Paystub - 1 months;
W2 - 24 months;

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092660

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

8.0736

Yes

1.551

Not Applicable

(No Data)

Not Applicable

(No Data)

37.13

37.14

37.13

37.14

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092661

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9946

Yes

1.139

Not Applicable

(No Data)

Not Applicable

(No Data)

42.3

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092676

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.0239

Yes

2.239

Not Applicable

(No Data)

Not Applicable

(No Data)

39.73

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months;

(No Data)

2000092679

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.7135

Yes

3.067

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.95

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 13 months;

(No Data)

2000092690

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.5860

Yes

1.949

Not Applicable

(No Data)

Not Applicable

(No Data)

33.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092691

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Second Home

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

9.0457

Yes

1.749

Not Applicable

(No Data)

Not Applicable

(No Data)

38.59

38.35

38.59

38.35

39.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000092707

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

7.6746

Yes

1.355

Not Applicable

(No Data)

Not Applicable

(No Data)

27.77

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092712

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Rate and Term Refi

(No Data)

7.3524

Yes

1.747

Not Applicable

(No Data)

Not Applicable

(No Data)

21.8

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092722

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

8.3750

(No Data)

XXXXXX

(No Data)

Yes

1700.00

(No Data)

1.0427

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000092728

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.5439

Yes

(No Data)

31.39

36.38

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092746

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.3148

Yes

3.496

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

37.03

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092761

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.1483

Yes

2.068

Not Applicable

(No Data)

Not Applicable

(No Data)

35.72

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092766

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9123

Yes

2.638

Not Applicable

(No Data)

Not Applicable

(No Data)

34.94

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 84 months;
P & L - 24 months;

(No Data)

2000092767

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.8338

Yes

2.989

Not Applicable

(No Data)

Not Applicable

(No Data)

40.85

40.8

40.85

40.8

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092780

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

7.9507

Yes

1.868

Not Applicable

(No Data)

Not Applicable

(No Data)

41.61

41.41

41.61

41.41

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000092781

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.2782

(No Data)

46.38

46.86

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 13 months;

(No Data)

2000092783

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5568

2.278

Not Applicable

(No Data)

Not Applicable

(No Data)

43.48

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092821

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9946

Yes

2.945

Not Applicable

(No Data)

Not Applicable

(No Data)

42.93

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 25 months;

(No Data)

2000092823

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Attached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

8.7724

Yes

2.092

Not Applicable

(No Data)

Not Applicable

(No Data)

24.84

24.85

24.84

24.85

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 25 months;

(No Data)

2000092836

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

7.5625

Yes

1.43

Not Applicable

(No Data)

Not Applicable

(No Data)

24.38

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092853

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8120

1.395

Not Applicable

(No Data)

Not Applicable

(No Data)

44.23

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092856

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.2500

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000092872

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.2850

Yes

1.262

Not Applicable

(No Data)

Not Applicable

(No Data)

41.96

41.47

41.96

41.47

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000092885

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8751

Yes

(No Data)

16.06

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092894

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.4250

Yes

2.67

Not Applicable

(No Data)

Not Applicable

(No Data)

33.05

33.04

33.05

33.04

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092896

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6620

Yes

2.535

Not Applicable

(No Data)

Not Applicable

(No Data)

14.23

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092900

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

7.5000

Yes

(No Data)

41.31

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092902

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.7328

Yes

3.376

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

19.26

19.27

19.26

19.27

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092906

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.5600

Yes

1.583

Not Applicable

(No Data)

Not Applicable

(No Data)

34.56

34.69

34.56

31.02

34.69

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092919

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.0540

1.573

Not Applicable

(No Data)

Not Applicable

(No Data)

46.82

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000092925

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.0001

(No Data)

XXXXXX

(No Data)

Yes

2450.00

(No Data)

1.0348

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000092938

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.4469

Yes

0.363

Not Applicable

(No Data)

Not Applicable

(No Data)

26.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000092940

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.1250

(No Data)

XXXXXX

(No Data)

Yes

1700.00

(No Data)

1.0213

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000092945

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6903

Yes

1.69

Not Applicable

(No Data)

Not Applicable

(No Data)

21.41

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 72 months;
P & L - 12 months;

(No Data)

2000092948

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.6205

Yes

1.187

Not Applicable

(No Data)

Not Applicable

(No Data)

36.36

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;
Written VOE - 26 months;

(No Data)

2000092949

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

7.2849

Yes

1.524

0.000

(No Data)

Not Applicable

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

2000092957

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.7765

Yes

2.584

Not Applicable

(No Data)

Not Applicable

(No Data)

24.95

27.33

24.95

27.33

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000092963

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.5000

(No Data)

45.63

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092967

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.8828

Yes

1.151

Not Applicable

(No Data)

Not Applicable

(No Data)

36.63

36.35

36.63

36.35

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000092976

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Second Home

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6274

Yes

2.321

Not Applicable

(No Data)

Not Applicable

(No Data)

35.99

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000092977

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

7.5032

Yes

1.272

Not Applicable

(No Data)

Not Applicable

(No Data)

40.09

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093011

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.2500

(No Data)

XXXXXX

(No Data)

Yes

1800.00

(No Data)

1.1144

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000093012

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

7.8751

(No Data)

49.77

(No Data)

XXXXXX

(No Data)

Yes

180

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 180 months;

(No Data)

2000093016

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

Yes

7.9935

Yes

4.618

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

38.56

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

Written VOE - 24 months;

(No Data)

2000093019

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR-Attached

Conventional

(No Data)

Purchase

(No Data)

7.5214

Yes

0.752

Not Applicable

(No Data)

Not Applicable

(No Data)

37.94

38.12

37.94

38.12

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093024

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.4462

Yes

0.975

0.000

(No Data)

Not Applicable

(No Data)

48.49

46.58

48.49

41.26

46.58

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093035

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

Yes

(No Data)

Yes

8.5346

Yes

0.67

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.72

45.11

43.72

37.39

43.47

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093048

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.6692

Yes

3.662

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

37.28

40.62

37.28

40.62

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 14 months;

(No Data)

2000093051

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.2500

Yes

(No Data)

42.74

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093052

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.6282

3.318

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

45.71

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093058

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Cashout Refi

(No Data)

Yes

9.2503

Yes

1.397

Not Applicable

(No Data)

Not Applicable

(No Data)

43.47

43.6

43.47

42.39

43.6

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093064

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.7500

(No Data)

48.32

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093112

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Second Home

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.8708

Yes

2.721

Not Applicable

(No Data)

Not Applicable

(No Data)

32.77

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000093125

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9988

Yes

1.981

Not Applicable

(No Data)

Not Applicable

(No Data)

29.84

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Written VOE - 48 months;

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

2000093126

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.4505

Yes

2.327

Not Applicable

(No Data)

Not Applicable

(No Data)

44.49

44.66

44.49

38.3

44.66

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000093140

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Second Home

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8989

3.558

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.17

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 17 months;

(No Data)

2000093148

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.0001

(No Data)

49.7

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000093167

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.0001

(No Data)

43.87

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000093171

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.0541

Yes

1.271

0.000

(No Data)

Not Applicable

(No Data)

37.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093199

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.3054

4.305

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

43.74

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093220

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.6416

2.582

Not Applicable

(No Data)

Not Applicable

(No Data)

43.67

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000093223

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

8.1003

Yes

3.124

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

33.56

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 24 months;

(No Data)

2000093228

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

(No Data)

Yes

7.2562

0.698

Not Applicable

(No Data)

Not Applicable

(No Data)

46.91

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093265

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4376

1.82

Not Applicable

(No Data)

Not Applicable

(No Data)

44.4

44.41

44.4

44.41

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000093282

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.1250

(No Data)

XXXXXX

(No Data)

Yes

4700.00

(No Data)

1.0252

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000093292

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.4922

Yes

0.854

Not Applicable

(No Data)

Not Applicable

(No Data)

42.86

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter with Income - 24 months;
P & L - 12 months;

(No Data)

2000093300

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4274

1.299

Not Applicable

(No Data)

Not Applicable

(No Data)

43.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000093303

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.1251

Yes

(No Data)

23.88

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093326

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.7775

Yes

1.201

0.000

(No Data)

Not Applicable

(No Data)

22.9

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093340

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.5530

Yes

1.463

0.000

(No Data)

Not Applicable

(No Data)

38.69

38.7

38.69

38.7

(No Data)

XXXXXX

(No Data)

Yes

190

Yes

156

(No Data)

Written VOE - 190 months;

1099 - 12 months;
Written VOE - 156 months;

(No Data)

2000093354

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.3616

Yes

1.74

Not Applicable

(No Data)

Not Applicable

(No Data)

39.25

39.26

39.25

39.26

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093389

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.1251

Yes

(No Data)

38.61

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Lease Agreement - 12 months;
Written VOE - 26 months;

Written VOE - 26 months;

(No Data)

2000093432

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.1251

(No Data)

XXXXXX

(No Data)

Yes

2350.00

(No Data)

1.4117

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

2000093444

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.2359

Yes

1.618

Not Applicable

(No Data)

Not Applicable

(No Data)

37.31

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000093448

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.5234

Yes

3.432

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

42.55

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000093450

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.0001

(No Data)

47.75

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 36 months;

(No Data)

2000093473

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

7.4531

1.865

Not Applicable

(No Data)

Not Applicable

(No Data)

45.34

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 14 months;

(No Data)

2000093480

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Rate and Term Refi

(No Data)

Yes

7.5000

Yes

(No Data)

39.8

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

2000093488

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.9336

Yes

2.805

Not Applicable

(No Data)

Not Applicable

(No Data)

39.18

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093578

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.9200

Yes

1.618

Not Applicable

(No Data)

Not Applicable

(No Data)

43.45

43.56

43.45

41.37

43.56

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Lease Agreement - 12 months;
Written VOE - 26 months;

(No Data)

2000093614

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

8.0310

Yes

2.81

0.000

(No Data)

Not Applicable

(No Data)

40.9

(No Data)

XXXXXX

(No Data)

Yes

101

(No Data)

Yes

(No Data)

Yes

(No Data)

Yes

(No Data)

Offer Letter - 12 months;
Written VOE - 101 months;

CPA Letter without Income - 24 months;
P & L - 24 months;

(No Data)

2000093677

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

9.1704

Yes

4.913

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

33.62

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 12 months;
CPA Letter without Income - 48 months;

(No Data)

2000093685

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

(No Data)

Yes

8.7468

Yes

(No Data)

33.02

34.5

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

2000093733

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.8503

1.634

Not Applicable

(No Data)

Not Applicable

(No Data)

44.35

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 28 months;

(No Data)

2000093752

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Purchase

(No Data)

7.5379

Yes

2.912

Not Applicable

(No Data)

Not Applicable

(No Data)

41.83

42.58

41.83

42.58

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 26 months;

(No Data)

2000093908

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.9804

Yes

4.248

0.000

(No Data)

Yes

Documented

Not Applicable

Documented

33.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

Business Bank Statements - 24 months;
CPA Letter without Income - 24 months;

(No Data)

2000094006

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Mid Rise Condo (5-8)

Conventional

(No Data)

Purchase

(No Data)

8.1378

Yes

2.295

Not Applicable

(No Data)

Not Applicable

(No Data)

32.76

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 12 months;

(No Data)

4000003779

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

(No Data)

Yes

10.8750

(No Data)

XXXXXX

(No Data)

4000003808

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

4 Family

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

8.2500

(No Data)

XXXXXX

(No Data)

Yes

5350.00

3.1662

(No Data)

DSCR - w/lease agreement - 0 months;

(No Data)

4000003900

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

9.3750

(No Data)

XXXXXX

(No Data)

Yes

2600.00

(No Data)

0.8580

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

4000003903

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.4413

Yes

3.762

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

34.4

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

4000003905

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.3750

(No Data)

XXXXXX

(No Data)

Yes

4100.00

(No Data)

0.9615

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

4000003918

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

10.2500

(No Data)

XXXXXX

Not Applicable

(No Data)

Not Applicable

(No Data)

4000003924

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.7044

1.597

Not Applicable

(No Data)

Not Applicable

(No Data)

46.17

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

4000003940

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

7.8751

(No Data)

XXXXXX

(No Data)

Yes

2520.00

(No Data)

1.0008

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

4000003942

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Purchase

Yes

4%, 3%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.5439

(No Data)

XXXXXX

(No Data)

Yes

2550.00

(No Data)

1.0635

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

4000003944

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Low Rise Condo (1-4)

Conventional

(No Data)

Cashout Refi

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.2500

Yes

(No Data)

21.1

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

4000003945

XXXXXX

QM: Rebuttable Presumption (APOR)

Present

QM: Rebuttable Presumption

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.5519

0.476

Not Applicable

(No Data)

Not Applicable

(No Data)

48.84

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 24 months;

(No Data)

4000003946

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

SFR

Conventional

(No Data)

Yes

Purchase

(No Data)

9.5843

Yes

1.805

Not Applicable

(No Data)

Yes

(No Data)

Yes

Documented

Not Applicable

Documented

37.78

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 60 months;
P & L - 12 months;

(No Data)

4000003949

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Cashout Refi

(No Data)

Yes

7.3299

0.584

Not Applicable

(No Data)

Not Applicable

(No Data)

43.56

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 36 months;
P & L - 12 months;

(No Data)

4000003953

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

7.7501

(No Data)

XXXXXX

(No Data)

Yes

3600.00

(No Data)

1.0675

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

4000003954

XXXXXX

Non-QM: Lender documented all ATR UW factors

Present

Non-QM: Lender documented all ATR UW factors

XXXXXX

(No Data)

Primary

Low Rise Condo (1-4)

Conventional

(No Data)

Yes

Purchase

(No Data)

Yes

8.2796

2.834

Not Applicable

(No Data)

Yes

Documented

Not Applicable

Documented

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 13 months;

(No Data)

4000003955

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

Yes

7.7580

2.416

Not Applicable

(No Data)

Not Applicable

(No Data)

44.39

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

4000003960

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

SFR

Conventional

(No Data)

Yes

(No Data)

Cashout Refi

Yes

5% of UPB

(No Data)

Yes

10.7501

(No Data)

XXXXXX

(No Data)

4000003962

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

8.4770

Yes

(No Data)

26.2

29.02

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

4000003968

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4%, 3%, 2% of Amt PPD if Amt PPD in 12 months is > 20% of OPB

(No Data)

Yes

8.2500

(No Data)

32.34

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

4000003969

XXXXXX

ATR/QM: Exempt

(No Data)

XXXXXX

(No Data)

Investor

Detached PUD

Conventional

(No Data)

Purchase

Yes

4% of Amt Prepd if amt prepd in 12 months is > 20% of OPB

(No Data)

Yes

7.6250

(No Data)

XXXXXX

(No Data)

Yes

5945.00

(No Data)

1.2131

(No Data)

DSCR - w/rent schedule - 0 months;

(No Data)

4000003972

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

7.6581

Yes

2.518

Not Applicable

(No Data)

Not Applicable

(No Data)

37.64

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Written VOE - 25 months;

(No Data)

4000003984

XXXXXX

QM: Safe Harbor (APOR)

Present

QM: Safe Harbor

XXXXXX

(No Data)

Primary

Detached PUD

Conventional

(No Data)

Purchase

(No Data)

8.0206

Yes

1.237

Not Applicable

(No Data)

Not Applicable

(No Data)

25.89

25.91

25.89

25.91

(No Data)

XXXXXX

(No Data)

Yes

(No Data)

Yes

(No Data)

CPA Letter without Income - 24 months;
P & L - 14 months;

(No Data)

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